I wouldn't include CA from what I've seen on BP, but certainly I plan to incorporate details from your last post in a proposal I will put forth to my membership in March for a comprehensive policy on applicants and tenants with therapy animals.

I have a tenant who violated the pet policy.  

I never created an LLC for it, so it's in our personal names and we have good business insurance (hotel type policy).  

@Sam Leon Michael Seeker You can usually get a builders risk endorsement to your policy to cover items in your rehab not attached to the house yet.

I highly recommend reading "Lawyers Are Liars" by Mark Kohler.That being said, a simple LLC and an umbrella policy is what I see most people using.

I'm starting to shop around to see if I can find a comparable policy at a better price, and came across NuVantage.

@Michael Guzik Honesty always best policy. 

It's our policy to be upfront with buyers. 

Just make sure the firm discusses the concept of dual agency with you and their company policies on the matter.  

So take base rent plus cam ( landlord insurance policy, property taxes, any admin or management fee ) and that amount should not go above 10% of annual sales.So if rent is 100,000 all in you want to see location sales at 1,000,000 or higher.